Betterment vs Webull
Last updated July 2026
Betterment
Robo-advisor with human advisor access at the Premium tier
Advantages
- 0.25% annual advisory fee on the Digital tier
- Access to CFPs on the Premium tier ($100K+ minimum, 0.40%/yr)
- Tax-loss harvesting on all taxable accounts
- 4.75% APY on Cash Reserve
- Goal-based investing UX is the best in the category
Drawbacks
- Premium tier's $100K minimum is a significant hurdle for advisor access
- No direct indexing option like Wealthfront
- Digital tier has no human advisor access
Webull
Commission-free trading with more advanced tools
Advantages
- Commission-free stock, ETF, options, crypto, and futures trading
- Advanced charting with 50+ indicators, drawing tools, level 2 quotes
- 24/5 extended-hours trading on major U.S. stocks
- Paper trading account for practice
- IRAs supported (traditional, Roth, rollover)
Drawbacks
- Steeper learning curve than Robinhood
- No mutual funds, no bonds
- Customer service reviews are mixed
Betterment and Webull both play in investing platforms, but they're aimed at different buyers. Betterment is built for investors who want goal-based planning and (at Premium) human advisor access. Webull is built for active traders who want advanced tools without a per-trade fee. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Betterment | Webull |
|---|---|---|
| Advisory Fee | 0.25% Digital; 0.40% Premium (CFP access) | -- |
| Minimum Investment | $0 to open; $10 to invest | -- |
| Tax-Loss Harvesting | Yes on all taxable accounts | -- |
| Human Advisor | Yes on Premium (0.40%/yr, $100K minimum) | -- |
| Cash Yield | 4.75% APY on Cash Reserve | -- |
| Direct Indexing | No | -- |
| Planning Tools | Goal-based planning; retirement calculators | -- |
| Portfolio Customization | Flexible portfolios by theme (SRI, Innovative Tech, etc.) | -- |
| Trading Commissions | -- | $0 stocks, ETFs, options, crypto, futures |
| Options Trading | -- | $0 per contract; advanced options analytics |
| Charting Tools | -- | Advanced, 50+ indicators, level 2 quotes |
| Cryptocurrency Trading | -- | Yes, broader coin list than Robinhood |
| Futures Trading | -- | Yes |
| Margin Rate | -- | Around 9.24% standard; tiered rates |
| IRA Match | -- | None |
| Research & Analysis | -- | Analyst ratings, screeners, paper trading |
Too Close to Call
Betterment and Webull land roughly even overall; the right pick depends on which of their strengths matters more to you.
Betterment's standout strength: 0.25% annual advisory fee on the Digital tier. Webull's standout strength: Commission-free stock, ETF, options, crypto, and futures trading. Neither dominates across the board, and both have well-known weak spots. Betterment's biggest drawback: Premium tier's $100K minimum is a significant hurdle for advisor access. Webull's biggest drawback: Steeper learning curve than Robinhood. Pick the one whose strengths line up with what you actually need.